Serving Union Members Worldwide

Chartered in 1924 Purchased by Bernard Rapoport in 1951 The ONLY 100% Wall-to-Wall Organized Insurance Company in North America Everyone who works for us is a union member and protected by a union contract Operates in the Spirit of “Be Union – Buy Union” in Word and Deed

Over $25.8 Billion of supplemental life insurance in force! AIL is the worlds largest provider of union supplemental insurance. International Company - Licensed in the U.S., Canada, New Zealand, Puerto Rico and the Virgin Islands

A.M. Best A+ Superior Rating

Serving over 3,000,000 Members In more than 30,000 Locals in North America

Labor Advisory Board Union Leaders

1.Advise on the type of supplemental benefits Union members need – Who better to determine where negotiated benefits leave off and where we can help? 2.Direct a portion of our profit back into Labor and Labor-related causes. Such as: Scholarship funds, health and safety issues, and the Economic Policy Institute. We even have strike support, all of which goes through the board. 3.At the local level we have an agency structure that gets involved through the Public Relations Representative.

Annual Report

How the Benefit Program works…

$2,500 Accidental Death & Dismemberment Benefit at NO COST. ACCIDENTAL DEATH & DISMEMBERMENT POLICY 2006 Highlights * $2.2 Million paid to Union Families

Vision / Eye Care Prescription Drugs Hearing Chiropractic Health Services Discount Plan 2006 Highlights * Approx $1.5 Million saved on Prescription Medications

Child Safe Kit Endorsed by the International Union of Police Associations and the AFL-CIO Helping working families protect what they value the most, their children!

How We Implement the Benefit Program…

1.We send a letter on your letterhead to each member, informing them of their new benefits 2.We send it on your letterhead so the members know the benefits are coming in cooperation with AIL and their local Union 3.There is no cost to the Union for printing or postage

* Postage Paid Response Card is enclosed with each Letter including an Internet address option to complete the card online * All Members are covered by the AD&D Master Policy which the Union holds * Members who return their Response Card will be contacted by our Representatives

The Program is at NO COST to the Local or the Member AIL respects the Confidentiality of Membership mailing lists and does not require a copy of them Typically, 20 – 35% of your Members will return the Response card and one out of three will purchase additional benefits

When one of our Representatives contacts a Member…

* Deliver their Individual Certificate of Coverage and have them designate their Beneficiary * Clearly explain the affordable supplemental programs and answer all questions * Present the Health Services Discount Plan

“In today’s economic times, public and personal financial security have never been more threatened. Public policy must be enacted to protect the whole, while supplemental insurance should be considered to protect your family’s specific needs. Life insurance and wage continuation insurance are two benefits that are more essential than ever to protect working families.” Dave Barrett AIL Labour Advisory Board Member

Read Off Letter

* Pay Cheque Protector, which acts as a readjustment benefit * Final Expense Plan * AD&D and Emergency Hospital Intensive Care Program * Cancer Benefit * All Supplemental Benefits are 100% Union Supplemental Benefits 2006 Highlights * $70 Million of claims paid to Working Families through their benefits with AIL & NILICO

* 1.1 Million in premium for policy holders waived in the last 2 years * No payback required

TERMINAL ILLNESS LIVING BENEFIT PROVIDES 50% OF THE POLICY COVERAGE AMOUNT UPON DIAGNOSIS OF A TERMINAL ILLNESS. (Life Expectancy less than 12 months) AVAILABLE AT NO COST FOR POLICY HOLDERS.

Union Officer Report Form

Eliminates Confusion over: Funeral Arrangements Insurance Papers Estate Information Taxes FAMILY INFORMATION GUIDE

How Do We Do It? One Can Of Food at a Time! FOOD BANK

The Next Step…

*Provide copies of your Letterhead *Process the mailing *Stay in contact with your AIL Representative *Reports back to you on Claims History, Membership participation and Union officer report forms. Complete the Group Coverage Form (provides immediate 24 hour coverage)

* Send the information electronically via to your membership distribution list Electronic Option

Helping Secure the Future of Working Families With…  Affordable  Permanent  Portable Supplemental Benefits